BlastPoint's Credit Union Scorecard
SPERO FINANCIAL
Charter #361 · SC
SPERO FINANCIAL has 3 strengths but faces 10 concerns
How does the industry compare?
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How does SC stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.35% above tier average
- + Total Loans: Top 5.3% in tier
- + Total Deposits: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 12.8% in tier
- - Credit Quality Pressure: Bottom 14.4% in tier
- - Credit Risk Growth: Bottom 20.9% in tier
- - Stagnation Risk: Bottom 20.9% in tier
- - Liquidity Strain: Bottom 27.7% in tier
- - Efficiency Drag: Bottom 28.9% in tier
- - ROA 0.45% below tier average
- - Efficiency ratio 2.86% above tier (higher cost structure)
- - Member decline: -3.3% YoY
- - Share Certificate Concentration (%): Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
47,585
-3.3% YoY-0.7% QoQ
|
+7.8K |
39,752
-2.7% YoY
|
37,124
+2.2% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$694.1M
-0.9% YoY-0.9% QoQ
|
+$71.7M |
$622.4M
+0.3% YoY
|
$514.3M
+4.6% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$580.7M
+3.1% YoY+1.6% QoQ
|
+$144.7M |
$435.9M
-0.4% YoY
|
$362.8M
+7.0% YoY
|
$388.7M
+8.6% YoY
|
Top 5.9% in tier |
| Deposits |
$632.0M
-0.6% YoY-0.9% QoQ
|
+$94.0M |
$538.0M
+1.3% YoY
|
$433.3M
+6.0% YoY
|
$464.6M
+9.3% YoY
|
Top 9.5% in tier |
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| ROA |
0.2%
-145.6% YoY-4.7% QoQ
|
-0.4% |
0.7%
+33.9% YoY
|
1.2%
+18.8% YoY
|
0.7%
+273.4% YoY
|
17% |
| NIM |
3.8%
+9.4% YoY+2.2% QoQ
|
+0.3% |
3.4%
+8.6% YoY
|
4.3%
+2.6% YoY
|
3.7%
+5.0% YoY
|
78% |
| Efficiency Ratio |
81.0%
-12.7% YoY+0.7% QoQ
|
+2.9% |
78.1%
-3.4% YoY
|
75.1%
-1.9% YoY
|
79.1%
-3.3% YoY
|
63% |
| Delinquency Rate |
0.8%
+33.3% YoY+3.0% QoQ
|
-0.0 |
0.8%
-4.9% YoY
|
0.9%
+10.3% YoY
|
1.2%
-0.9% YoY
|
60% |
| Loan To Share |
91.9%
+3.8% YoY+2.5% QoQ
|
+10.9% |
81.0%
-1.8% YoY
|
71.3%
-1.2% YoY
|
68.0%
-1.7% YoY
|
78% |
| AMR |
$25,485
+4.5% YoY+1.0% QoQ
|
$-997 |
$26,482
+2.6% YoY
|
$16,641
+2.9% YoY
|
$19,418
+1.3% YoY
|
53% |
| CD Concentration |
39.5%
-4.3% YoY+0.6% QoQ
|
+15.1% |
24.4%
+4.2% YoY
|
17.4%
+3.6% YoY
|
19.6%
+6.2% YoY
|
Top 8.2% in tier |
| Indirect Auto % |
9.0%
+7.5% YoY-0.9% QoQ
|
-5.0% |
14.0%
-5.7% YoY
|
5.9%
-5.3% YoY
|
7.9%
-2.9% YoY
|
52% |
Signature Analysis
Strengths (0)
Concerns (6)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)